Build, buy, or refinance — our local lenders will guide you home.
Choose the financing option that help you get the most house for your money. We’ll do the rest — get competitive rates, seamless closings, and unsurpassed service.
Features You’ll Love
- A variety of rates and terms to meet your needs
- Choose from a wide range of lending programs
- Get pre-approved financing for a smoother experience
- Enjoy fast, local decision-making and processing
- Competitively low rates for home purchase, refinance, or construction
- Available for primary residence, second homes, vacation homes, or investment properties
- A wide range of terms customized to your unique situation
- A variety of financing programs available:
- Fixed rate mortgages
- USDA Rural Housing Loans
- FHA Loans
- VA Loans
- Preferred Home Loan Program
- Construction Loans
- Helpful loan advisors with working knowledge of the local real estate market
- Free pre-approval for extra confidence when it comes to securing financing
- Refinance your current home to potentially lower your rate
- Attentive, friendly service from start to finish
FIXED RATE MORTGAGES
- Down payments as low as 5%
- Amortization periods from 10 to 30 years
- Fixed/level payment of principal and interest for the life of the loan; interest-only payments available in some situations
- May require private mortgage insurance
FHA LOANS
- Easier to qualify than a standard loan
- Available in fixed rate or ARM
- Down payments as low as 3.5%
- Flexible terms up to 30 years
- Requires FHA mortgage insurance
- Pre-qualification available
- Quick decisions, and local service
- Mortgage insurance is built in, does not require additional PMI purchase
VA LOANS
- Available to veterans and active military service members
- Typically require no down payment
- Minimal closing costs
- Up to 100% financing for eligible military personnel
- Fixed/level payment of principal and interest for the life of the loan
- Flexible terms up to 30 years
- Monthly mortgage insurance not required
RURAL DEVELOPMENT
- Long-term, fixed interest rate
- 30-year terms
- Income limits apply
- Ideal for first-time homebuyers
- Low to no down payment
- Lenders with experience in the local real estate market
- Attentive service throughout the entire process
PREFERRED HOME LOAN PROGRAM
- Competitively low rates for home purchase or refinance
- Receive fast decisions with local underwriting
- Enjoy lower costs with local processing
- Convenient payments made directly to Center National Bank
- Attentive, friendly service from start to finish
- Center National Bank retains servicing of loan
- Local decision-making and processing
CONSTRUCTION LOANS
- Competitively low rates for your home construction project
- Available for primary residence or second home construction
- Provides more convenience, especially toward the end of the construction phase and the beginning of permanent mortgage
- Pay off interest quicker; payments are interest-only during construction phase
- Payments are made on the amount drawn on your loan sufficient to pay your builder
- Construction draws applied in stages based on work completed
BEFORE YOU APPLY
Make sure you have the Items Needed for Purchase or the Items Needed to Refinance.
Use this calculator to determine your projected earnings from our Kasasa Cash account. Move the sliders or type in the numbers to see your potential rewards.
- Estimated Annual Rewards $0
- Estimated monthly interest earned* $0
- Monthly ATM fees refunded**$0
This calculator compares the costs of buying or leasing a vehicle. There are three sections to complete, and you can adjust and experiment with different scenarios.
- Net cost of buying $0
- Net cost of leasing $0
A fixed-rate, fixed-term CD can earn higher returns than a standard savings account. Use this calculator to get an estimate of your earnings. Move the sliders or type in numbers to get started.
- Total value at maturity $0
- Total interest earned $0
- Annual Percentage Yield (APY)0.000%
Whether it's a down payment, college, a dream vacation...a savings plan can help you reach your goal. Use the sliders to experiment based on length of time and amount per month.
- Monthly deposit needed to reach goal $0
This calculator can help you get a general idea of monthly payments to expect for a simple loan. Move the sliders or type in numbers to get started.
- Estimated monthly payment $0
- Total paid $0
- Total interest paid $0
CENTER REWARDS CHECKING ACCOUNT
| Balance | Rate1 | APY2 |
|---|---|---|
| $0 - $15,000 | 3.25% | 3.30%* |
| $15,000+ | 0.20% | 3.30%* to 0.20%* |
| All balances if qualifications not met | 0.05% | 0.05%* |
1Variable interest rate subject to change at any time
2Annual percentage yield
QUALIFICATIONS
To earn your rewards, just do the following transactions and activities in your Center Rewards Checking account during each Monthly Qualification Cycle:
- Have at least one ACH direct deposit or one ACH automatic payment that posts and clears per monthly qualification cycle
- Have at least 10 debit card purchases of $10.00 or more that post and clear per monthly qualification cycle. (Purchases that are under $10.00 will not count towards the 10 debit card purchases. ATM-processed transactions do not count towards qualifying debit card transactions.)
- Enroll and agree to receive electronic statements***
That's it. Even if you don't meet your qualifications during the cycle, your Center Rewards Checking account is still free if you are enrolled and receive electronic statements.*** Plus, you'll still earn our base interest rate. And you can get right back to earning your full rewards the very next month!
*Annual Percentage Yield (APY) accurate as of 11/8/2024. Rate tiers are as follows: 3.30% APY applies to balances of $.01 - $15,000 and 0.20% APY applies to balances over $15,000 if qualifications are met during the monthly qualification cycle. 0.05% APY* applies to all balances if monthly qualifications are not met. All balances will earn 3.30% APY to 0.20% APY if monthly qualifications are met. Rates may change after the account is opened. Fees may reduce earnings. Qualifying transactions must post and clear to the account during the monthly qualification cycle. Transactions may take one or more banking days from the date the transaction was made to post to an account. Intra-bank transfers do not count as qualifying transactions.
**Up to $25 ATM fee refunds per monthly qualification cycle only if qualifications are met within the monthly qualification cycle.
***$5 monthly fee if not enrolled in and receiving electronic statements.
CERTIFICATE OF DEPOSIT
| Description | Minimum Balance | Rate | APY2 |
|---|---|---|---|
| 6-month | $500 | 3.45% | 3.49% |
| 12-month | $500 | 2.98% | 2.99% |
| 18-month | $500 | 1.25% | 1.25% |
| 24-month | $500 | 1.25% | 1.25% |
| 36-month | $500 | 1.25% | 1.25% |
| 48-month | $500 | 1.25 | 1.25% |
| 60-month | $500 | 1.25% | 1.25% |
2Annual percentage yield
Minimum balance to open the account: you must deposit $500.00 to open this account. Withdrawal of interest prior to maturity: the annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings.
Fees, if any, could reduce earnings. Early withdrawal penalties: A penalty may be imposed for withdrawals before maturity.
MONEY MARKET DIAMOND SAVINGS
| Balance | Rate1 | APY2 |
|---|---|---|
| $250,000+ | 2.37% | 2.40% |
1Variable interest rate subject to change at any time
2Annual percentage yield
MONEY MARKET PLATINUM SAVINGS
| Balance | Rate1 | APY2 |
|---|---|---|
| $0 - $2,499.99 | 0.10% | 0.10% |
| $2,500 - $9,999.99 | 0.15% | 0.15% |
| $10,000 - $24,999.99 | 0.20% | 0.20% |
| $25,000 - $49,999.99 | 0.25% | 0.25% |
| $50,000 - 99,999.99 | 0.75% | 0.75% |
| $100,000.00 or more | 1.73% | 1.74% |
1Variable interest rate subject to change at any time
2Annual percentage yield
MONEY MARKET SAVINGS
| Balance | Rate1 | APY2 |
|---|---|---|
| $0 - $2,499.99 | 0.10% | 0.10% |
| $2,500 - $9,999.99 | 0.15% | 0.15% |
| $10,000+ | 0.20% | 0.20% |
1Variable interest rate subject to change at any time
2Annual percentage yield
OTHER ACCOUNTS
| Account | Rate1 | APY2 | Minimum Balance to obtain APY |
|---|---|---|---|
| Center Savings | 0.10% | 0.10% | $50 |
| Money Market Gold | 0.25% | 0.25% | $25,000 |
| Interest Checking | 0.05% | 0.05% | $500 |
| Earnings Credit (Business Accounts) | 0.30% | 0.30% | N/A |
1Variable interest rate subject to change at any time
2Annual percentage yield